• Managed a large team ensuring mitigation of AML / CDD risk emanating from Individuals and SME clients on-boarding and retention for the Retail Bank.• Ensured stellar Key Performance Indicators in a Very High-Risk environment while managing placement and lifting of target market self- restrictions imposed globally by the bank for operations in very high risk (VHRC) markets. * Successfully navigated the bank through levying of heightened monitoring & reporting requirements stemming from Pakistan being designated High Risk Third Country (HRTC) by EU and FATF grey listing and subsequent removal. • Seamlessly managed execution of periodic and trigger-based reviews, Suspicious Activity Report (SAR) accounts handling as well as bi-annual politically exposed (PEPs) High Net Worth (HNW) and Sensitive Client reviews.• Oversaw completion of a large-scale annual regulatory exercise - the "Top 100 Depositors' per Branch Reviews" for 90+ branches requiring uplifting of 9000+ client CDDs under aggressive timelines with concurrent Compliance & Internal Audit certifications.

Responsibilities• Operational risk (OR) & governance for retail sales (1st line of defence) & supervision of a team of 6 OR officers • Enforcing global OR standards, conduction of assurance reviews, analysis of risk & control monitors & handling of all audits• Recognition & tracking of risks & losses while ensuring escalation to risk committees & effecting appropriate treatment plans Achievements• Spearheaded a turn-around from an internal audit graded as a “Failed” audit to an “Acceptable” rating within 18 months • Seamless transition from an outsourced asset sales model of 900+ staff to an in-house one with no major governance issues• Effective gap analysis against all global internal audits (100+ in 2016) with rapid resolution of any similar issues in-country Drastic reduction in risk metrics from Q4 2013 to Q4 2016 with average potential mis-selling complaints per month going from 38 to 6, average discrepant applications from 7% to 3% & negativity in assurance call-backs from an average of 14% to 0.04%

Responsibilities• Act as a ‘Subject Matter Expert’ for a group project tasked to simplify operational risk control monitors for Standard Chartered globally• Assess control monitors for appropriateness in terms of redundancy, relevancy & frequency • Visit key markets in order to guide staff & source data points for analysis Achievements• Partnered to prepare & present potential efficacies, feasibility & cost benefit analysis & secured necessary approvals for the project• Performed a first pass analysis identifying monitors for redundancy & frequency modification for action by a subsequent work stream• Visited Kenya, Bahrain, & UAE and guided staff for submission of data points & identifying opportunities for automation & hubbing

Responsibilities • Oversight of Investments, Insurance, FX, & Treasury product & client documentation & handling of all legal & compliance product matters • WM reports analysis, WM Supervisory Committee management, WM representation on risk committees & self-assessment • Champion for mitigation of Customer Due Diligence, Financial Crime, FATCA & Significant Complaints risksAchievements• Large reduction in significant complaints by enhancing disclosure requirements in call-back scripts & client documentation• Highly successful drive to obtain updated KYC documentation utilizing digital authenticated sources of submission by clients• Increased offshore booking compliancy by instituting a pre-sale review of the client’s country of residence’s ‘conduct rules’

Responsibilities • Design of policy & procedures for branches, cash & account operations teams in line with internal & regulatory guidelines • All controls & compliance aspects, reporting of key control indicators to global oversight function & self – assessment program• Coordination, tracking & resolution of all queries from 2nd line, internal & external auditsAchievements• Increased efficiency by setup & management of 6 staff, removing transaction surveillance alerts resolution from relationship managers• Decreased fraud risk by centralizing & managing a call-back team of 3 for large funds transfers received via mail or messenger • Ensured minimal comments & well rated reviews while coordinating & engaging 2 Internal, 2 regulatory & multiple third party audits

• Launch of new products, product maintenance & design of strategy to maximize segment profitability & drive predictable growth • Reporting of financials, forecasting of targets & plans, cross-sell, marketing & launch of sales campaigns to incentivise sales forceAchievements• Bettered portfolio mix by bundling higher spread asset products with credit breaks • Revamped & re-launched priority banking proposition with print, tv & below the line marketing & collateral design

Complete exposure to all Consumer and Corporate Banking functions with rotations in assets product management, sales, credit cycle for consumer asset, quality assurance / internal audit, operations, distribution and financial institutions relationship management. (FI)

Interned in the Financial Services Department at Salomon Smith Barney.

Interned on the Fortune 500 Global Forum Public Relations Team.